The incidence of a certain disease in the population is estimated to be 1.5 %. That is, the probability that a randomly selected person having the disease is 0.015. A test for this disease is 90 % accurate; that is, it will positively identify a person who has the disease with a probability of 0.90. On the other hand, the test produces false positives (positively identifying a person who does not have the disease, as having the disease) with a probability of 0.05.
If the test indicates that a person does not have the disease, what is the probability that the individual actually has the disease?